Coverage 01 of 12
Commercial Truck Insurance
One policy, every filing, and an agency that answers the phone.
A commercial truck policy is a bundle: auto liability with the FMCSA filings, motor truck cargo, physical damage on the units you own or finance, and the add-ons your contracts require. We build it from carriers that actually want your class of business, so the price holds at renewal instead of surprising you.
iAgency is a trucking-first agency. We write new DOT numbers, owner-operators leasing on, and fleets that have outgrown their first agent. Most quotes come back within 24 hours, and many are completed with real numbers within one to two hours the same business day, with the filings mapped out, and a licensed agent, not a call center, owns your account.
Who needs it
- New authorities that need the BMC-91/MCS-90 filing before the FMCSA will activate them
- Owner-operators with their own authority running regional or long haul
- Small and mid-size fleets (2 to 50 power units) that want one agency for every line
- Carriers whose renewal went up and who want a second market without a lapse
What it covers
Inside the policy
Auto liability
Bodily injury and property damage you cause with the truck. $750,000 is the federal floor for general freight; most shippers and brokers require $1,000,000.
Motor truck cargo
Damage to or theft of the freight in your care. $100,000 is the broker standard; reefer and high-value commodities often need more.
Physical damage
Collision and comprehensive on your tractor and trailer, usually required by the lender.
Trailer interchange
Physical damage on trailers you pull under an interchange agreement but do not own.
Non-trucking liability
Liability while the truck is off dispatch, for leased owner-operators.
General liability
Premises and operations exposures off the truck, often required by shipper contracts.
FAQ
Commercial Truck Insurance: common questions
How fast can you get me insured?
With a complete application (driver MVRs, VINs, values, radius and commodities) most quotes come back within 24 hours, and many are completed with actual numbers within one to two hours on the same business day, ready to bind. FMCSA filings post electronically after binding.
Do you write new authorities?
Yes. New ventures are a core part of our book. Expect a higher first-year premium than an established carrier; we show you what drives it and what lowers it at the first renewal.
Which states are you licensed in?
iAgency is licensed to write commercial trucking insurance in all 50 states.
Can I pay monthly?
Most policies offer premium financing or carrier installment plans. We will show you the down payment and monthly figure with every quote.
Related coverage
Usually written alongside
Auto Liability
The FMCSA-required core of every trucking policy.
Physical Damage
Collision and comprehensive on your tractor and trailer.
Motor Truck Cargo
The freight you haul, at the limit brokers ask for.
Owner-Operator Insurance
Leased on or under your own authority.
Quote commercial truck insurance with the rest of your policy.
Send us the basics. A licensed agent shops the carriers that want your class and calls you with actual numbers, ready to bind. Most quotes come back within 24 hours; many are completed and back in your hands within one to two hours on the same business day.